Santa Rosa Beach, FL Rental Market for Investors
An estimated 31% of Santa Rosa Beach's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.
Homes in Santa Rosa Beach that pencil right now
A sample of active Santa Rosa Beach listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.
$465,000DSCR 2.114 bed · 2 bath · 1,679 sqft
- STR revenue
- $95,485/yr
- Est. interest-only payment
- $3,022/mo
On the market 13 days · Listed by Coldwell Banker Realty
Scout this home & market: 4-bed house in Santa Rosa Beach
$475,000DSCR 2.445 bed · 3 bath · 2,488 sqft
- STR revenue
- $106,305/yr
- Est. interest-only payment
- $2,900/mo
On the market 143 days · Listed by MAX MATHEWS JR BROKER
Scout this home & market: 5-bed house in Santa Rosa Beach
$475,000DSCR 1.434 bed · 2 bath · 2,097 sqft
- STR revenue
- $66,406/yr
- Est. interest-only payment
- $3,095/mo
On the market 265 days · Listed by Coldwell Banker Realty
Scout this home & market: 4-bed house in Santa Rosa Beach
$550,000DSCR 1.264 bed · 2 bath · 2,020 sqft
- STR revenue
- $66,406/yr
- Est. interest-only payment
- $3,502/mo
On the market 372 days · Listed by Real Broker LLC
Scout this home & market: 4-bed house in Santa Rosa Beach
$575,000DSCR 1.644 bed · 3 bath · 2,244 sqft
- STR revenue
- $89,559/yr
- Est. interest-only payment
- $3,630/mo
On the market 86 days · Listed by Archers Property Services LLC
Scout this home & market: 4-bed house in Santa Rosa Beach
$609,000DSCR 1.345 bed · 3 bath · 2,556 sqft
- STR revenue
- $78,919/yr
- Est. interest-only payment
- $3,930/mo
On the market 93 days · Listed by Real Broker LLC
Scout this home & market: 5-bed house in Santa Rosa Beach
$629,000DSCR 1.254 bed · 3.5 bath · 2,880 sqft
- STR revenue
- $77,813/yr
- Est. interest-only payment
- $4,145/mo
On the market 18 days · Listed by Berkshire Hathaway Home Services
Scout this home & market: 4-bed house in Santa Rosa Beach
$660,000DSCR 1.335 bed · 3 bath · 2,556 sqft
- STR revenue
- $83,125/yr
- Est. interest-only payment
- $4,181/mo
On the market 109 days · Listed by 30A Local Real Estate
Scout this home & market: 5-bed house in Santa Rosa Beach
As of August 2026, we analyzed 739 active for-sale homes in Santa Rosa Beach, Florida. The typical listing is priced at $995,000 and is projected to generate about $80,652 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 30.9% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 52.5% median across the 200 major metros we track, ranking Santa Rosa Beach #169 of 200 for cash-flow potential.
On market momentum: homes in Santa Rosa Beach sit a median of 108 days on the market, and 16% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.
For a DSCR loan — which qualifies on the property's rental income rather than your personal income — Santa Rosa Beach runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.
What actually works in Santa Rosa Beach
Cash-flow is the exception rather than the rule in Santa Rosa Beach right now: 68 of the 574 Santa Rosa Beach homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $734,000.
| Price | 1 bed | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|---|
| $250k–$350k | — | — | 53%1.30 | — | — |
| $350k–$500k | 0%0.83 | 8%0.78 | 47%1.23 | 67%1.43 | — |
| $500k+ | 0%0.76 | 0%0.74 | 5%0.75 | 9%0.73 | 13%0.72 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Santa Rosa Beach in full
| Active for-sale homes analyzed | 739 |
|---|---|
| Median list price | $995,000 |
| Median projected STR revenue (annual, gross) | $80,652 |
| Median average daily rate (ADR) | $470 |
| Median occupancy | 49% |
| Median beds | 3 |
| Median size | 2,114 sqft |
| Estimated cash-flow-positive share | 30.9% |
| Median days on market | 108 days |
| New listings (last 30 days) | 16.0% of active |
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